SBI Contra Fund vs Motilal Oswal Liquid Fund
Side-by-side comparison of returns, risk, expenses, holdings and performance. AI-powered insights included.
3Y Return
16.36%
3Y Return
6.55%
Today, we're going to compare two popular funds in India - SBI Contra Fund and Motilal Oswal Liquid Fund. Both funds have their own strengths and weaknesses, and understanding these will help you make an informed decision about your investments. Dekho, let's dive in and see which fund is better suited for your long-term wealth creation goals.
| Parameter | ASBI Contra Fund - Direct Plan - Growth | BMotilal Oswal Liquid Fund - Direct Plan - Growth |
|---|---|---|
| Fund House | SBI Mutual Fund | Motilal Oswal |
| Category | Multi Cap | Liquid Fund |
| NAV (₹) | 408.51 | 14.67 |
| AUM (₹ Cr) | 4.74 Lac Cr | 3.37 Lac Cr |
| Expense Ratio (%) | 0.72% | 0.12% |
| Riskometer | Very High | Low |
| Volatility | 13.7 | 0.12 |
| Sharpe Ratio | 0.72 | 0.42 |
| 1 Year Return (%) | -1.21% | 5.84% |
| 3 Year Return (%) | 16.36% | 6.55% |
| 5 Year Return (%) | 18.26% | 5.76% |
| Since Launch (%) | 15.48% | 5.29% |
| Min SIP (₹) | 500 | 500 |
| Min Lumpsum (₹) | 1000 | 1000 |
| Launch Date | 2 January 2013 | 20 December 2018 |
| Exit Load | Nil | Nil |
| Fund Manager | Dinesh Balachandran; Pradeep Kesavan (8.1 years yrs) | Niket Shah (3.5 years yrs) |
| Benchmark | Nifty 500 Multicap 50:25:25 TRI | NIFTY Liquid Index |
| Top 3 Holdings | HDFC Bank Ltd. (6.59%), Reliance Industries Ltd. (5.35%), Biocon Ltd. (3.04%) | State Bank of India CD (8.5%), HDFC Bank CD (7.2%), Reliance Industries T-Bills (6.8%) |
| Asset Allocation | Equity: 81.12% | T-Bills: 2.35% | Forgn. Eq: 2.19% | Debenture: 1.92% | CD: 1.05% | REITs: 0.94% | Call Option: -0.03% | Futures: -0.16% | T-Bills: 65.00% | CD: 20.00% | CP: 10.00% | Cash: 5.00% |
| Portfolio Turnover | 130% | 261% |
🤖 AI Verdict – Which is Better?
Haan, our verdict is clear. For long-term wealth creation, we recommend SBI Contra Fund. With a 3Y return of 16.36%, it outperforms Motilal Oswal Liquid Fund's 3Y return of 6.55%. Lekin, let's not forget about the expense ratio. SBI Contra Fund's expense ratio of 0.72% is slightly higher than Motilal Oswal Liquid Fund's 0.12%. However, considering the risk, we think SBI Contra Fund is worth it. Sach ye hai, it's a high-risk, high-reward investment.
Why consider SBI Contra Fund?
- Expense ratio: 0.72%
- 3Y return: 16.36%
- AUM: 4.74 Lac Cr
- Sharpe Ratio: 0.72
Why consider Motilal Oswal Liquid Fund?
- Expense ratio: 0.12%
- 3Y return: 6.55%
- AUM: 3.37 Lac Cr
- Sharpe Ratio: 0.42
📈 SIP Suitability
Chaliye, let's talk about SIP suitability. For a monthly SIP of 10+ years, we recommend Motilal Oswal Liquid Fund. Its consistency and return stability are unmatched. With a 1Y return of 5.84%, it's a safe bet for investors who want predictable returns. SBI Contra Fund's high-risk profile makes it less suitable for SIP investors who are risk-averse.
⚠️ Risk & Cost Analysis
Riskometer, volatility, and Sharpe ratio - let's compare these key metrics. SBI Contra Fund has a very high riskometer, high volatility of 13.7, and a Sharpe ratio of 0.72. Motilal Oswal Liquid Fund, on the other hand, has a low riskometer, low volatility of 0.12, and a Sharpe ratio of 0.42. Considering these metrics, Motilal Oswal Liquid Fund offers better risk-adjusted returns.
📊 Portfolio Diversification
Dekho, let's talk about portfolio diversification. SBI Contra Fund has a more diversified portfolio with equity at 81.12%, while Motilal Oswal Liquid Fund has a more conservative portfolio with T-Bills at 65.00%. This makes Motilal Oswal Liquid Fund more suitable for investors who want to reduce their risk exposure. However, SBI Contra Fund's top holdings - HDFC Bank Ltd., Reliance Industries Ltd., and Biocon Ltd. - are highly concentrated, which increases sector risk.
SIP Calculator – Compare Growth Potential
SBI Contra Fund
₹1516047.14
@16.4% annual return (3Y)
Motilal Oswal Liquid Fund
₹848929.18
@6.5% annual return (3Y)
*Projected returns are illustrative based on historical 3‑year returns. Past performance does not guarantee future returns.
❓ Frequently Asked Questions (Comparison)
Q1: Which fund gives better returns in the long run?
SBI Contra Fund gives better returns in the long run with a 5Y return of 18.26% compared to Motilal Oswal Liquid Fund's 5Y return of 5.76%.
Q2: Is the higher risk fund worth it?
No, Motilal Oswal Liquid Fund is not worth the higher risk. Its low volatility of 0.12 and Sharpe ratio of 0.42 indicate lower risk compared to SBI Contra Fund.
Q3: Which fund is more cost-effective?
Motilal Oswal Liquid Fund is more cost-effective with an expense ratio of 0.12% compared to SBI Contra Fund's 0.72%.
Mahendra Maurya
6+ Years in Banking, Wealth Management & Financial ServicesFounder & Author of ShareTargetPrice.in. 6+ years in Banking, Wealth Management & Financial Services.
📊 Author & Founder at Share Target Price